PackageTrendsPeer
Letter portraitLegal landscape

Peoples State Bank

Cherryvale, KS · Cert 16744 · First Howard Bankshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

87

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

83

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

85

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples State Bank

Cherryvale, KS · Cert 16744 · First Howard Bankshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$23.5MAssets
$20.7MLoans
$17.4MDeposits
$4.7MEquity
Loan mix
78%RE $8.9M14%C&I $1.6M8%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $11.2M36%Noninterest $6.2MQ2 2025Q2 2026

NIM

7.15%Q2 ’247.34%Q2 ’256.96%Q2 ’260%-11%

Non-interest income vs. expense

3.15%Q2 ’243.04%Q2 ’252.88%Q2 ’26+4%-5%

Executive Summary

  • Earnings: ROA of 2.33%, down 47 bps year over year; NIM at 5.27%.
  • Asset quality: problem loans at 0.33% of loans (-31 bps YoY), with net recoveries of 0.07%.
  • Capital: tier 1 leverage ratio of 19.83%, down 278 bps from a year ago.
  • Funding: loans stand at 118.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.33%-47 bps YoY

Net Interest Margin (YTD, annualized)

5.27%-62 bps YoY

Efficiency Ratio (YTD, annualized)

49.35%+258 bps YoY

Tier 1 Leverage Ratio

19.83%-278 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.80%2.81%2.68%2.42%2.33%-47 bps
Return on Equity12.07%12.05%11.94%12.31%11.72%-35 bps
Net Interest Margin5.89%6.18%5.50%5.15%5.27%-62 bps
Efficiency Ratio46.77%46.26%47.26%47.29%49.35%+258 bps
Non-Interest Burden2.43%2.49%2.32%2.15%2.32%-11 bps
Growth
Asset Growth (YoY)4.33%0.55%17.24%14.22%19.45%+1,511 bps
Loan Growth (YoY)0.96%9.48%16.83%20.34%25.95%+2,498 bps
Deposit Growth (YoY)11.70%-2.38%20.36%16.50%17.80%+610 bps
Asset Quality
Nonperforming Loans / Loans0.64%0.53%0.68%0.45%0.33%-31 bps
Net Charge-Offs / Loans-0.15%-0.12%-0.09%-0.07%-0.07%+8 bps
Allowance / Loans1.11%1.09%0.95%0.96%1.00%-11 bps
Allowance Coverage of NPLs1.7x2.1x1.4x2.1x3.0x+1.3x
Capital
Tier 1 Leverage Ratio22.61%23.56%20.42%19.56%19.83%-278 bps
Total Risk-Based Capital22.61%23.56%20.42%19.56%19.83%-278 bps
Equity / Assets24.14%23.60%19.44%19.94%20.20%-394 bps
Liquidity & Funding
Loans / Deposits111.17%130.11%118.26%118.94%118.87%+769 bps
Liquid Assets / Assets4.63%5.04%4.20%4.14%3.19%-143 bps
CRE / Total Capitaln/a10.94%17.89%17.59%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Peoples State Bank

Cherryvale, KS · Cert 16744 · Peer group: banks under $1B in assets in KS (n=98) · First Howard Bankshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$23.5MAssets
$20.7MLoans
$17.4MDeposits
$4.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: nonperforming loans / loans trails 51% of banks under $1B in assets in KS (rank 51 of 98).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.36%

Rank 3 of 98

Net Interest Margin

5.27%

Rank 2 of 98

Efficiency Ratio

49.35%

Rank 16 of 98

Equity / Assets

20.20%

Rank 7 of 98

Non-interest income vs. expense

$134K$688KINCOMEEXPENSE
Unfavorable gap of $554K · efficiency ratio beats 85% of banks under $1B in assets in KS
Bank 49.35%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.36%1.03%1.24%1.54%Beats 97%3 / 98
Return on Equity11.68%8.85%11.58%14.73%Beats 53%46 / 98
Net Interest Margin5.27%3.24%3.62%3.91%Beats 98%2 / 98
Efficiency Ratio49.35%51.87%58.88%64.74%Beats 85%16 / 98
Asset Quality
Nonperforming Loans / Loans0.33%0.01%0.33%1.05%Beats 49%51 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio19.83%11.81%13.71%17.33%Beats 85%15 / 98
Total Risk-Based Capital Ratio19.83%11.81%14.13%17.45%Beats 82%18 / 98
Equity / Assets20.20%8.60%11.34%13.10%Beats 93%7 / 98
Liquidity & Funding
Loans / Deposits118.87%57.09%69.84%82.47%99th pctl1 / 98
Loans / Assets88.13%49.34%58.31%68.94%98th pctl2 / 98
Brokered Deposits / Depositsn/aNot reported for this institution